Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$110,324Cash toward the purchase price.
Closing costs + prepaids$11,284Not just lender fees.
Before credits & paid funds$121,608The complete starting cash picture.
Estimated remaining funds due at closing
$121,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,323.75
Your down payment$110,323.75
Closing costs + prepaids$11,284.32
Total buyer cash needed$121,608.07
Remaining funds due$121,608.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (12 days)$355.32
Fees + prepaids$11,284.32
Your down payment is the seller’s equity. You take over the $309,676 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $121,608.07 is due at closing. Uses and sources reconcile at $431,284.32 each. Not a Closing Disclosure.